Winter Activity Insurance

Overview — Winter Activity Insurance from Prime Insurance Company

Sleigh rides, ice skating, tree lighting ceremonies, and festive markets bring joy to communities each winter—but they also create seasonal exposures that many business owners overlook. Crowds, icy surfaces, temporary equipment, and event-related operations can quickly result in accidents and liability claims. Prime Insurance Company offers customizable Winter Activity Insurance designed specifically to help agents place and protect seasonal operations.

Our program provides core liability and property protections for operators of seasonal events and attractions. It’s built to make placement easier for accounts that may have complex histories or elevated risk profiles, while still offering flexible limits and coverages to match an insured’s needs.

Who We Help

• Christmas markets and holiday pop-ups
• Sleigh ride operators and traveling attractions
• Holiday festivals, tree lighting ceremonies, and ice skating events
• Christmas tree lots and seasonal retail lots
• Other winter-themed special events and attractions
• And more seasonal operations

Whether your client runs a community tree lighting or operates a traveling sleigh ride business, Prime’s program can be tailored to address the typical winter exposures—from slips and falls on icy walkways to equipment-related injuries and temporary structures.

Coverage Highlights

• General Liability
• Hired and Non-Owned Auto Liability
• Commercial Auto Insurance *Not available in NY
• Inland Marine (equipment and mobile property)
• Commercial Property Insurance for seasonal assets
• Bodily Injury coverage tied to event operations

Coverages can be combined or modified to reflect the scale and duration of the operation, seasonal staffing, and whether the event uses rented or owned equipment.

Example Fit

You might have a client who operates a seasonal Christmas tree lot that hires temporary staff for a few months a year. They need affordable liability protection and coverage for high foot traffic, icy walkways, and onsite equipment. Prime’s Winter Activity Insurance can be customized to meet those needs—even for accounts with a prior claim or unique exposure.

Underwriting Notes

• We consider risks with prior losses and nonstandard histories.
• Admitted and non-admitted placements are available; the option depends on the risk profile and state filing requirements.
• High-risk locations, including coastal or high-traffic urban sites, can be considered with appropriate terms.
• Commercial Auto is available in most states; New York is excluded for Commercial Auto on this program.

If you have an account with unusual operations or prior claims, bring the submission — Prime’s underwriting team has experience with hard-to-place seasonal risks and will work with you to find workable terms.

Territories and Availability

This Winter Activity Insurance program is available in all 50 states and Washington, D.C., with admitted and non-admitted options depending on state requirements and the nature of the risk.

Why Work With Prime Insurance Company?

Prime Insurance Company brings focused underwriting for niche and seasonal risks. Our strengths for agents include:

• Flexible underwriting for accounts with prior losses or unusual exposures
• Fast quote turnaround and responsive market support
• Coverage availability across all states, including high-risk or coastal areas
• Ability to combine liability, auto, inland marine, and property coverages for seasonal operations

No matter the winter activity or the account history—Prime is here to help you protect your clients and keep the seasonal cheer going.